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Shopping Airport Lounge

4.4/5 Editorial Score

LIC Eclat Credit Card by IDBI Bank

Premium Co-Branded RuPay Select Card with Domestic Lounges & Insurance Rewards

Best Suited For

High-value LIC policyholders and IDBI Bank account holders seeking complimentary airport lounge visits, RuPay UPI convenience, and accelerated insurance reward earnings.

Shopping Airport Lounge

Joining Fee

Free

One-time upfront

Annual Fee

Free

Lifetime Free — no renewal fee

Base Rewards

4 Delight Points for every ₹100 spent on eligible transactions

On eligible spends

Airport Lounge

8 Domestic visits/year

Complimentary visits

Apply Now Compare Card Official Terms

See where this card gets lounge access

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.4/5 Editorial Score

The LIC Eclat Credit Card by IDBI Bank represents the top-tier co-branded credit offering from LIC Cards Services and IDBI Bank. Issued on the prestigious RuPay Select platform, the card carries zero joining and zero recurring annual fees, making it an extraordinary Lifetime Free credit card for policyholders. Key highlights include 2 complimentary domestic airport lounge visits per calendar quarter (8 visits annually), setting it apart from most lifetime-free cards in India. On the reward front, cardholders earn 3 Delight Points per ₹100 spent on LIC insurance premium payments, enabling policyholders to save substantially on mandatory life insurance outlays. Backed by a ₹10,00,000 personal accidental death insurance cover, 1% fuel surcharge waiver, and seamless RuPay UPI linkage, the LIC Eclat card delivers unmatched long-term value.

Ideal For:High-value LIC policyholders and IDBI Bank account holders seeking complimentary airport lounge visits, RuPay UPI convenience, and accelerated insurance reward earnings.

Shopping Airport Lounge

Card Strengths

Lifetime Free Premium Card: Zero joining and annual fees for life, offering premium benefits with zero carrying cost.
8 Annual Airport Lounges: 2 complimentary domestic airport lounge visits per quarter across major Indian airports.
3X on LIC Premium Spends: 3 Delight Points per ₹100 spent on LIC life insurance policy payments.
RuPay UPI Compatibility: Seamless linkage to UPI applications for quick retail merchant scan-and-pay transactions.
₹10L Accidental Cover: Complimentary personal accidental death insurance coverage of ₹10 Lakhs for cardholders.

Things to Keep in Mind

No International Lounges: Lounge privileges are restricted to domestic terminals within India.
Standard 3.5% Forex: Foreign exchange markup of 3.50% applies on overseas transactions.
Delight Points Redemption: Reward points must be redeemed through the IDBI Delight reward portal within expiry timelines.
Paper Application Channels: Often requires routing through LIC agents or IDBI Bank branch documentation processes.

Additional Cardholder Privileges

Rewards

4 Delight Points for every ₹100 spent on eligible transactions

Welcome

Welcome Benefit 1

1,500 Delight Points on spending ₹10,000 within 60 days of card issuance

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: IDBI Delight Points (LIC Eclat)
Reward Currency: Reward Points
Base Earn Rate: 4 Delight Points for every ₹100 spent on eligible transactions
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
LIC Insurance Premium Spends	8 Delight Points (2.00% Valueback)	No Cap	Standard terms apply
Welcome Benefit	500 points on card activation + 1,000 points on transaction of ₹5,000+ within 30 days	No Cap	Standard terms apply
Other Retail Spends	4 Delight Points per ₹100 spent (1.00% valueback)	No Cap	Standard terms apply

Featured Merchant HubsAll Merchants

Life Insurance Corporation (LIC) Hub

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

LIC Insurance Premium Spends8.00%

No published cap

₹

Welcome Benefit5.00%

No published cap

₹

Other Retail Spends1.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
LIC Insurance Premium Spends	₹6,000	8 Delight Points (2.00% Valueback)	—	None	Calculating...	Under cap
Welcome Benefit	₹6,000	500 points on card activation + 1,000 points on transaction of ₹5,000+ within 30 days	—	None	Calculating...	Under cap
Other Retail Spends	₹18,000	4 Delight Points per ₹100 spent (1.00% valueback)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

₹0

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 8 complimentary visits per year
Spend Requirement: No spend requirement

Single-network RuPay Select card issued in partnership with IDBI Bank. 2 complimentary domestic airport lounge visits per calendar quarter (8/year). No retail spend hurdle.

International Lounge Access

Global airports outside India

None

Complimentary Visits: Not available
Spend Requirement: Unavailable
Access Type: International Lounge Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

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Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance8 Domestic visits/year

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): Free
Annual Spend Fee Waiver: Lifetime Free — no renewal fee
Fee Terms Notes: Co-branded with IDBI Bank on RuPay Select / Visa Signature; Lifetime Free (₹0 joining and annual fees); 2X Delight points on LIC premiums; 8 domestic airport lounges

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.25% per month
Annualized Interest Rate (APR): 39.00% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Lifetime Free (LTF): ₹0 joining fee and ₹0 annual renewal fee with zero hidden maintenance charges. • Domestic Airport Lounges: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year) via RuPay Select. • LIC Premium Acceleration: 3 Delight Points per ₹100 spent on LIC insurance premium payments. • Everyday Spends: 2 Delight Points per ₹100 spent on general retail and online merchant transactions. • RuPay UPI Integration: Full interoperability with UPI payment applications for QR code merchant scanning. • Personal Accident Cover: Complimentary personal accidental death insurance cover of ₹10,00,000. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (up to ₹400 per billing cycle). • Finance Charges: Revolving credit interest rate of 3.25% per month (39.00% APR) on unsettled statement balances.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding LIC Eclat Credit Card by IDBI Bank application, fees, reward redemption, and eligibility

Is the LIC Eclat Credit Card by IDBI Bank Lifetime Free?

Yes, the LIC Eclat Credit Card carries zero joining fee and zero annual renewal fee, making it completely Lifetime Free (LTF).

How many airport lounge visits are included with LIC Eclat?

Cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits per calendar year) through the RuPay Select lounge program.

What rewards are provided on LIC insurance premium payments?

You earn 3 Delight Points for every ₹100 spent on paying LIC insurance premiums using the LIC Eclat card.

Can I use this card on UPI apps?

Yes, since the LIC Eclat card is powered by the RuPay network, you can easily link it to BHIM, Google Pay, PhonePe, or Paytm for UPI payments.

What is the joining and annual renewal fee for LIC Eclat Credit Card by IDBI Bank?

The joining fee for LIC Eclat Credit Card by IDBI Bank is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on LIC Eclat Credit Card by IDBI Bank be waived?

LIC Eclat Credit Card by IDBI Bank is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.

What are the primary rewards and cashback earn rates on LIC Eclat Credit Card by IDBI Bank?

LIC Eclat Credit Card by IDBI Bank offers 4 Delight Points for every ₹100 spent on eligible transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does LIC Eclat Credit Card by IDBI Bank offer complimentary airport lounge access?

Yes, LIC Eclat Credit Card by IDBI Bank provides 8 Domestic visits/year.